Exhibit 32.1

                            Certification Pursuant to
                             18 U.S.C. Section 1350,
                             as Adopted Pursuant to
                  Section 906 of the Sarbanes-Oxley Act of 2002

In connection with the Annual report on Form 10-K of American Enterprise Life
Insurance Company (the "Company") for the fiscal year ended December 31, 2003,
as filed with the Securities and Exchange Commission on the date hereof (the
"Report"), Mark E. Schwarzmann, as Chief Executive Officer of the Company, and
Arthur H. Berman, as Chief Financial Officer of the Company, each hereby
certifies, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section
906 of the Sarbanes-Oxley Act of 2002, that:

     (1)  The Report fully  complies with the  requirements  of Section 13(a) or
          15(d) of the Securities Exchange Act of 1934; and

     (2)  The information  contained in the Report fairly presents,  in all
          material  respects,   the  financial  condition  and  results  of
          operations of the Company.


     /s/ Mark E. Schwarzmann
     -------------------------
Name:    Mark E. Schwarzmann
Title:   Chief Executive Officer
Date:    March 29, 2004



     /s/ Arthur H. Berman
     ----------------------
Name:    Arthur H. Berman
Title:   Chief Financial Officer
Date:    March 29, 2004


The foregoing certification is being furnished solely pursuant to 18 U.S.C.
Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of
2002, and is not being "filed" as part of the Form 10-K or as a separate
disclosure document for purposes of Section 18 of the Securities Exchange Act of
1934, as amended (the "Exchange Act"), or otherwise subject to liability under
that section. This certification shall not be deemed to be incorporated by
reference into any filing under the Securities Act of 1933, as amended, or the
Exchange Act except to the extent that this Exhibit 32.1 is expressly and
specifically incorporated by reference in any such filing.

A signed original of this written statement required by Section 906 has been
provided to the Company and will be retained by the Company and furnished to the
Securities and Exchange Commission or its staff upon request.